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Regular Contributor
MoreRewards
Posts: 370
Registered: ‎09-27-2013

Re: receive time of Discover It?

Yes on Discover It the CL is $2,650 so less than WM. It is the CL from my previous DS card. I app'd & got a 5-7 days message when I called they said I had 2 choices split the CL of my existing card between both accounts or close my existing card & move the CL to my new one. I thought either was BS but I want DS It & already took HP so closed my 1st account.
I do hope for CLI after usage they seem to be good with auto CLI at times.
Valued Contributor
12njoy
Posts: 1,348
Registered: ‎09-11-2013

Re: receive time of Discover It?

@MoreRewards,

 

I know Walmart Discover seems to be good with CLI every 3-4 months.  The real Discover, will have to wait and see.

EX FICO: 680 EQ FICO: 693 TU FICO: 705 (All lender pulls)
Total Credit Limits: $206,100 (July 2013 starting credit limits totaled $2,700) - Goal Met!!!
current utilization: 1% - current AAoA: 1.5-2.2 years
In my wallet: Amex, Barclays, BofA, Chase, Discover, 5/3, GECRB, NASA FCU, NFCU, State Farm, USAA, US Bank, Wells Fargo, etc... Missing from my wallet: CITI :smileysad:
Valued Contributor
12njoy
Posts: 1,348
Registered: ‎09-11-2013

Re: receive time of Discover It?

I just called Discover to do a balance transfer because it wouldn't let me do one online.  The rep told me my card is scheduled to be delivered on Monday, October 21, 2013.  She mentioned the Post Office so I assume this was sent Priority Mail through USPS.

EX FICO: 680 EQ FICO: 693 TU FICO: 705 (All lender pulls)
Total Credit Limits: $206,100 (July 2013 starting credit limits totaled $2,700) - Goal Met!!!
current utilization: 1% - current AAoA: 1.5-2.2 years
In my wallet: Amex, Barclays, BofA, Chase, Discover, 5/3, GECRB, NASA FCU, NFCU, State Farm, USAA, US Bank, Wells Fargo, etc... Missing from my wallet: CITI :smileysad:
Valued Contributor
12njoy
Posts: 1,348
Registered: ‎09-11-2013

Re: receive time of Discover It?

I guess it's safe to leave the house today :smileylol::smileylol::smileylol:

EX FICO: 680 EQ FICO: 693 TU FICO: 705 (All lender pulls)
Total Credit Limits: $206,100 (July 2013 starting credit limits totaled $2,700) - Goal Met!!!
current utilization: 1% - current AAoA: 1.5-2.2 years
In my wallet: Amex, Barclays, BofA, Chase, Discover, 5/3, GECRB, NASA FCU, NFCU, State Farm, USAA, US Bank, Wells Fargo, etc... Missing from my wallet: CITI :smileysad:
Regular Contributor
MoreRewards
Posts: 370
Registered: ‎09-27-2013

Re: receive time of Discover It?

I'm at work already. But do hope my other cards are in the mail box.

I feel like DS basically denied me?
Valued Contributor
12njoy
Posts: 1,348
Registered: ‎09-11-2013

Re: receive time of Discover It?

@MoreRewards,

 

Sorry.  Did you have a different type of Discover like the Discover More card?

EX FICO: 680 EQ FICO: 693 TU FICO: 705 (All lender pulls)
Total Credit Limits: $206,100 (July 2013 starting credit limits totaled $2,700) - Goal Met!!!
current utilization: 1% - current AAoA: 1.5-2.2 years
In my wallet: Amex, Barclays, BofA, Chase, Discover, 5/3, GECRB, NASA FCU, NFCU, State Farm, USAA, US Bank, Wells Fargo, etc... Missing from my wallet: CITI :smileysad:
Regular Contributor
MoreRewards
Posts: 370
Registered: ‎09-27-2013

Re: receive time of Discover It?

Yes I had the More
Valued Contributor
12njoy
Posts: 1,348
Registered: ‎09-11-2013

Re: receive time of Discover It?

@MoreRewards,

 

Sorry to hear that then because yes it was like a denial or you can look at it as a product change.  The only real issue in your case was the HP didn't really generate a CLI, but some creditors do require a HP for a product change.

EX FICO: 680 EQ FICO: 693 TU FICO: 705 (All lender pulls)
Total Credit Limits: $206,100 (July 2013 starting credit limits totaled $2,700) - Goal Met!!!
current utilization: 1% - current AAoA: 1.5-2.2 years
In my wallet: Amex, Barclays, BofA, Chase, Discover, 5/3, GECRB, NASA FCU, NFCU, State Farm, USAA, US Bank, Wells Fargo, etc... Missing from my wallet: CITI :smileysad:
Regular Contributor
MoreRewards
Posts: 370
Registered: ‎09-27-2013

Re: receive time of Discover It?

Yeah like a product change I guess BUT thet still denied me NEW credit forcing me to change (unless I wanted to split & I didn't). I just don't understand it at all. I could apply & get multiple cards with others.
Valued Contributor
12njoy
Posts: 1,348
Registered: ‎09-11-2013

Re: receive time of Discover It?

@MoreRewards,

 

I understand.  Discover denied me August 6th and approved me October 17th for $6500.  My score may have improved only 10-15 points, but my student loan which was closed/sold (125k) wasn't on my report on August 6th but was on report for October 17th.  My utilization hadn't changed either.  I feel, probably like you, a wasted HP.

EX FICO: 680 EQ FICO: 693 TU FICO: 705 (All lender pulls)
Total Credit Limits: $206,100 (July 2013 starting credit limits totaled $2,700) - Goal Met!!!
current utilization: 1% - current AAoA: 1.5-2.2 years
In my wallet: Amex, Barclays, BofA, Chase, Discover, 5/3, GECRB, NASA FCU, NFCU, State Farm, USAA, US Bank, Wells Fargo, etc... Missing from my wallet: CITI :smileysad:

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